How can I get to a 800 credit score.

[codehavoc]

Here is the cards I have

-NFCU Rewards card with a 14k limit. 13% apr with a 2300k balance,
-Wells Fargo rewards 1k limit with a 0 dollar balance 0% apr for 1 year
-BOA with a 500 limit and a 0 balance.
0% apr for 1 yr
- Discover IT with a 1700 limit and a 0 dollar balance, 0% apr for 1st year
-Amex BCE with at 6k limit and a 300 dollar balance, 0% apr 18 mths
-Macy's card with a 1300 limit with a 0 balance.
-Best Buy 1500 limit with a 500 balance. 0% apr for 18 months.
-Kays card 1000 limit with a 0 balance,
-USAA American Express secured cc with a 1000 limit and a 0 dollar balance.

No car loans. I have 23k in student loan that's deferred til I'm finished school



What I need...
So I'm looking for a good plan and some advice on reaching my goal to bring up my credit score.

I also plan on financing a car in the next few months so any advice is appreciated


Thanks

[fused]

If you can, I would start by paying off your Amex CC and getting the balance on your NCFU CC to report util < 10%. Can you answer the questions below? That way I can share more with you. All of my FICO 08 scores are very high. I'm well into the 800 club.

How long is your credit history?

What is your AAoA?

Baddies? If so, what are they and how old? If lates, how severe? 30, 60, 90, 120 day lates? 

Any hard inqs less than a year old?

[codehavoc]

I have no collections. Some late payments up to 120 days from a 2011 student loan that's I have disputed and should be removed ASAP and my last hard INQ was in April for a credit card

[madmann26]

---

@codehavoc wrote:
I have no collections. Some late payments up to 120 days from a 2011 student loan that's I have disputed and should be removed ASAP and my last hard INQ was in April for a credit card

---

It takes time codehavoc.

People with an 800 credit score will have a very high AAoA, meaning, they have a lot of old, active accounts in good standing. They also have virtually no inquiries.

Basically, it's having time on your side.

[codehavoc]

Ok I was planning on getting a car loan in the next few months and also getting an American Express PRG card so I guess after that I can sit and wait because that's gonna knock my score down and my AAOA

[fused]

---

@codehavoc wrote:
I have no collections. Some late payments up to 120 days from a 2011 student loan that's I have disputed and should be removed ASAP and my last hard INQ was in April for a credit card

---

Okay! How long is your credit history? What is your AAoA?

[codehavoc]

My oldest account is 9.5 years and my AAOA is 3.92 via credit karma

[vanillabean]

---

@fused wrote:

I'm well into the 800 club.

---

That would be an understatement.

[fused]

---

@codehavoc wrote:
My oldest account is 9.5 years and my AAOA is 3.92 via credit karma

---

FICO Scoring likes to "round down" AAoA, so yours is 3 years. Your credit history is 9 years and   Your overall util is about 11% (not bad). Your credit history length is fine, but your AAoA is a bit short. Even if all of your lates get removed and you get your util to 9% or less, I'm not convinced you'll get into the 800+ Club with all three CRA's. As madmann stated, just about everyone in the 800+ club has a long credit history and a very high AAoA. Low revolving util is a must. For FICO 08 Scores, it's a good idea to have an open installment loan in good standing.

All three of my FICO 08 scores were 850 until my only open installment account updated on my CR's as closed and paid.

My FICO 08 scores are now: EQ 820, EX 817, TU 814.

Time and patience, unless you have a relationship with Amex and can get a card or cards backdated.

[codehavoc]

Ok so when I apply for my Amex PRG card it will just be an inquiry on my report. Then looking for a car loan is going to add another inquiry and change my AAOA.